It’s no secret that owning a vehicle has gotten more expensive. While gas prices and insurance rates often make the news, one of the biggest financial burdens for drivers today is the rising cost of repairs.

Whether it’s an unexpected breakdown or routine maintenance that uncovers a serious issue, repair bills are hitting drivers more often and for more money. That’s where dealers can really provide value. By offering Vehicle Service Contracts (VSCs) with affordable financing through Line\5, you can help customers protect themselves from surprise expenses and build long-term trust with your store.

Let’s take a closer look at the trends… and how partnering with Line\5 can benefit your business and your buyers.

Repair Costs Keep Climbing

In 2023, the average cost of vehicle maintenance and repair in the U.S. rose by 6.5 percent. That number has only continued to grow into 2025. Since early 2022, repair costs have gone up nearly 25 percent, largely due to inflation, parts shortages, and increasingly complex vehicle systems.

Drivers are feeling it. According to AAA, the average person now spends around $1,424 per year on maintenance and repairs. That figure doesn’t even include major issues like engine or transmission repairs, which can easily cost thousands.

What’s Behind the Rising Costs?

Several key factors are making repairs more expensive:

• Aging Vehicles
  With the average vehicle now more than 12 years old, many owners are seeing more frequent and costly wear and tear.
• More Technology
  Today’s cars are packed with advanced systems, from sensors to driver-assist technology. These require specialized equipment and training to repair.
• Challenging Driving Conditions
  Long commutes, harsh weather, and heavy usage all contribute to faster wear on parts and systems.

As a result, issues like fuel system problems, engine trouble, and transmission failures are not only more common, but they’re also more expensive to fix.

How Dealers Can Offer Real Solutions with Line\5

More and more drivers are looking for ways to avoid high out-of-pocket repair costs. This is a prime opportunity for dealers to offer a solution that builds trust and drives revenue.

Line\5 makes it easy to offer financing on VSCs. That means your customers get the protection they need at a payment that works for them—and your dealership gets an added profit center with strong retention benefits.

Here’s what Line\5 brings to the table:

Flexible Payment Terms
Offer customized terms up to 84 months to match the customer’s budget, whether they’re purchasing a car, truck, SUV, RV, or powersports vehicle.

Fast Approvals and Funding
Most customers are approved quickly, and funds are typically issued within 48 hours. You can close deals faster and ensure customers leave with protection in place.

Reliable Partner Support
Our in-house team and dedicated account managers are here to support your store and your customers from start to finish.

Long-Term Value for Your Customers
When buyers can avoid large repair bills, they’re more satisfied, less likely to cancel their coverage, and more likely to return to your dealership in the future.

Stay Ahead by Offering Real Protection

As repair costs continue to rise, customers are looking for dealerships that offer more than just a sale. They want peace of mind, and with financing for VSCs through Line\5, you can deliver it.

It’s a smart way to help your customers protect their investment—and a proven strategy to grow your dealership’s bottom line.

Want to learn more? Let’s connect.